Just got a letter in the mail stating I'm being sued for an outstanding debt of approximately $1,700. This is a legitimate letter of debt collection; I've verified it myself.

The payment plan options are incredibly predatory and will not actually help me get out of the debt easily, and I'll end up paying significantly more than I owe if I take that option. I cannot currently afford a lawyer or other legal counsel and therefore cannot afford to fight this in court. My partner and I are currently living on a single income, and looking into the laws for my state, they absolutely can and will either garnish my wages or put a lien on my property (including my car, our only method of transportation).

If anyone is able to assist in helping us get out of this situation so I can get this paid off and squared away, I would appreciate it.